Savvy Drivers Choose UFCU
Looking to lower the part of your budget labeled “Vehicle”? We’ve got options to help you save. From low monthly payments and flexible terms to backup protection, we put you in the driver’s seat. Choose an auto loan to fit your unique needs, financial situation, and life circumstances. Read on for ways to get ahead on your path.
Refinance to Drive Down Your Rates
Don’t wait for your current car loan to be paid off — you might be able to make a switch to UFCU’s lower rates today. By refinancing auto loans from other lenders, we’ve saved our Members an average of $1,950 in interest on their car loans and lowered their monthly payments by as much as $50. If another financing institution can do better, we’ll tell you. Our mission is to connect you with the best value possible.
- Get 0% interest for 90 days when you refinance your auto loan from other lenders to UFCU by December 31, 2022. We’ll waive your title fees, too! It’s a super easy process that can add some buffer to your budget.
- Collaborate with a representative on your side. Explore your options and learn what’s right for you. Whether it’s refinancing, buying new or used, learning about insurance options, or getting negotiation tips, we’re happy to help.
- Save time with one-stop service. UFCU Insurance Services® provides all the coverage you need to protect your car. Just ask us for a free estimate—at no obligation, of course!
Find out how much you’d save by switching. Have your original loan contract or payment book ready, and apply online or give us a call at (512) 498-CARS (2277).
Accelerate Your Vehicle Purchase
Time for new wheels? UFCU offers low rates and flexible terms on your new- or used-vehicle purchase. You can apply online or give us a call at (512) 498-CARS (2277).
Ask about our convenient services to make car-shopping easy:
- Written preapproval — Reassure the dealership that UFCU has agreed to fund your car loan. With a quick and easy Electronic Vehicle Buyer’s Check (eVBC), you’ll be treated like a cash buyer at the dealership and could drive off the lot with your new car the same day!
- Flexible loan terms — We are committed to getting you into a new vehicle with a manageable monthly payment.
- Monthly payments you can afford — We invite you to use our transparent rates for comparison shopping.
Protect Your Auto Investment
You may already know that UFCU Insurance Services® offers vehicle insurance. Did you know that we also cover what your auto insurance doesn’t? We can provide even greater peace of mind with:
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- Extended warranties
- GAP (Guaranteed Asset Protection) Advantage for total auto loss
- Debt cancellation in case of unexpected life events
Rates That Yield to Your Budget
| ||Annual Percentage Rate (APR) based on your credit |
| Excellent || Good || Average || Fair || Marginal || Poor / |
|1 to 48 ||3.99% ||4.49% ||4.74% ||7.24% ||12.50% ||15.30% |
|49 to 66 ||4.49% ||4.99% ||5.24% ||7.74% ||12.95% ||15.75% |
|67 plus ||4.89% ||5.39% ||5.89% ||9.24%* ||14.90%* ||17.70%* |
*You may qualify for a rate reduction of 1.5% based on a loan-to-value ratio that is less than 100%.
Rate discounts do not apply to current UFCU loans.
These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.
Term restrictions may apply.